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Children need to be added to your insurance when they are 15 years old even if they do not have a license or have a learner's permit. Most companies will not charge for the child until they receive their regular drivers license. They need to remain on your policy as long as they live in your household. There is not real maximum age limit. If they are off in college they are still a member of your household. If they are over 150 miles away or more and don't have a vehicle the company will discount the amount charged for them because they will only drive when home.

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Q: What is the maximum age limit to add children to auto insurance?
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